What’s new with D&O coverage

Make Kinsale Your First Call for Management Liability Solutions

Key Takeaways:

• Expanded appetite for hard-to-place risks like cannabis, banks, HOAs, health care, social services, PACs, & nonprofits
• Fewer exclusions & more usable coverage = cleaner D&O policies
• Long-term market presence for consistent coverage when your accounts need it most

Our Management Liability team has been steadily growing our appetite and restructuring our terms to create strong, consistent solutions for all types of D&O accounts.

Expanded appetite: Our appetite for hard-to-place classes continues to grow

Our D&O appetite includes industries and risk profiles that both admitted and E&S markets have tightened on. Here are a few examples of what we’re actively placing:

• Emerging industries: Psychedelic & cannabis companies
• Financial sector: Banks, funds, & financial institutions
• Real estate: HOAs & condo associations with variable limits & deductibles
• Nonprofits: PACs, country clubs, & social services of all sizes, standalone or combined

Cleaner quotes: Fewer exclusions & more usable coverage

Your feedback shapes how we approach D&O coverage, so we have adjusted our terms to include fewer exclusions and broader coverage. Our goal is to always deliver terms that make sense for your accounts and coverage that holds up when it matters.

Enhancements: Custom-built coverages for today’s risks

We’ve added meaningful coverage enhancements across all of our Management Liability products, including D&O, EPL, and Fiduciary Liability. These enhancements are available across most classes, standalone or combined.

Most enhancements are available standalone for D&O, EPL, and Fiduciary Liability accounts:

• EPL for independent contractors
• Wage & hour defense sublimits
• Immigration practices defense sublimits
• Workplace violence response expenses
• Crisis management response expenses
• Additional Side A
• Additional Defense
• Third-party coverage with no ADA or class action exclusions

Consistency: We’re here for the long term

Kinsale’s Management Liability team is committed to an appetite that grows, not shrinks. Through hard or soft cycles, we adapt our terms to meet brokers’ needs instead of leaving the market. The result is a team you can rely on regardless of broader market conditions.

That same reliability extends to our personalized service. Whether your submission is straightforward or complex, our underwriters often deliver quotes in 24 hours or less, giving you the time to review, adjust, and feel confident moving forward. Don’t just take our word for it — see for yourself!

Get Started With a Quote Today

Explore the Potential of consistent Management Liability solutions at Kinsale.